When insuring our vehicle, we are faced with the question of which insurance is best suited to our needs.
One of the biggest concerns when buying car insurance is price. In most cases is what we usually do
choose the cheapest company, but it is likely that what really suits us is a policy with a specific cover. And it is that when insuring our vehicle we are faced with the question of which insurance best suits our needs and whether it is an All Risk or a Third Party that is most suitable. Despite the fact that the law only requires civil liability insurance, most people opt for more comprehensive coverage, such as All Risks or Comprehensive Third Party Insurance. For example, it is advisable to take out All Risk insurance during the first 2 to 3 years of a vehicle after registration.
We even have to borrow more
attention to the possible clauses that we may not know and can help us out of trouble along the way.
First of all, losing your car keys can leave you stranded on the road. And it’s so common to lose control that many insurers already factor it into their policies. So if you have a copy, all you have to do is call roadside assistance to pick it up. But things get complicated when we don’t have a copy; Because through our personal data they can know the chassis number of the car and the key code and order a copy from us and bring it to us where we have the immobilized vehicle.
Is the sunroof included in the window insurance? It is important to check this as it is very expensive to repair. Almost all types of car insurance, except for basic liability insurance, have glass cover; and it is very common for a small stone to jump off the road and hit the windshield, the windows or the rear window. Therefore, if the sunroof is standard, it is very likely that your insurer will also cover the potential breakage or damage and any damage caused by an attempted theft or an accident.
We also often leave our bags or backpacks in the car while traveling. Many companies have specific insurance for this form of theft and can reimburse you for the bag and its contents, but also, if you have travel assistance cover, they can arrange for all cards to be cancelled. This way you prevent headaches.
Likewise, there is no impediment for a pregnant woman to drive a car during her pregnancy. You may even start to go into labor or feel unwell while driving. But what do you do with the car? Many insurers provide assistance to pregnant women. In the event of an alarm, it is sufficient to park the car and wait for a taxi to collect the insured. Next, the company will be responsible for calling a tow truck to transport the vehicle home.
They can also help you if you have had an accident and need psychological help. Being in a car accident can be a very traumatic experience. And it is that there are people who develop a fear of driving again, a clinical pathology called “amaxophobia”. In many cases, consequences can be considered and you can request compensation from the insurer. In addition, they can provide the psychological treatment you need to solve the problem.
Also, if you have rushed the reserve a lot and run out of fuel due to lack of fuel, you can call your insurer and ask if fuel shipping is included. They can send you a tow truck to tow you to the nearest gas station. If your car is a diesel, the problem may be more serious: an empty tank can clog the injectors. Even if you fill up the tank, the vehicle may not run and must be towed to the shop. In both cases you pay for the fuel. Also take a good look at the policy, because normally this cover can only be used a limited number of times. And don’t forget, if the Guardia Civil catches you without fuel, you will be fined 200 euros, as this is understood as ‘driving carelessly’.
What happens if I lose a parking ticket? According to Law 40/2002 regulating public car parks, the company can charge a fee in case we lost the parking ticket. Normally they can charge you for 24 hours, regardless of the time you’ve been parked (although there are already court rulings that it’s an illegal payment). After paying the costs, you can ask your insurance company if this incident is covered. They could cover the costs and study possible claims with the company that manages the parking lot.
Source: La Verdad
I am Ida Scott, a journalist and content author with a passion for uncovering the truth. I have been writing professionally for Today Times Live since 2020 and specialize in political news. My career began when I was just 17; I had already developed a knack for research and an eye for detail which made me stand out from my peers.
